Bank Statement Loans
Qualify using personal or business bank statements instead of tax returns — built for self-employed borrowers whose tax returns don't reflect their real cash flow.
Read MoreMortgage Broker in Katy, TX
Entrust Home Lending works with buyers and investors throughout the Katy area, which spans three counties, on FHA, conventional, DSCR, and hard money financing.
Talk to a Katy Loan Officer
Katy is unusual in that the same town spans Harris, Fort Bend, and Waller counties, which means property tax rates, appraisal district timelines, and even flood-zone mapping can differ block to block — sometimes within the same school district and the same subdivision. Knowing which county a given address in Cinco Ranch or Cross Creek Ranch falls into, and what that means for taxes and closing, is worth catching before underwriting rather than during it.
Katy’s growth has been driven heavily by relocation — families and professionals moving from out of state or from company transfers — which means a wide range of income documentation shows up in a typical file: straight W-2 income, employer relocation packages, and self-employed or 1099 income from buyers who moved their business with them. Conventional and FHA financing cover most owner-occupant purchases, with TSAHC down payment assistance available for qualifying buyers, while bank-statement and non-QM programs fit borrowers whose income doesn’t reduce cleanly to a W-2.
For investors, DSCR and hard money financing apply the same way they do elsewhere in the Houston area — DSCR qualifying a rental purchase off the property’s own income, and hard money covering a purchase or renovation that needs to close on a tighter timeline than conventional underwriting allows.
Communities We Serve Near Katy
Cinco Ranch, Cross Creek Ranch, Grand Lakes, Falcon Ranch, Katy Lakes, and the surrounding area.
Local Down Payment Assistance
- Texas State Affordable Housing Corporation (TSAHC) down payment assistance
- Southeast Texas Housing Finance Corporation (SETHFC) homebuyer programs
Loan Programs
Financing for Katy Buyers and Investors
A sample of what we originate — see the full list of loan programs for everything we offer.
Conventional Loans
Financing not backed by a government agency — usually means fewer overlays, more flexible property types, and no upfront mortgage insurance premium for buyers with stronger credit.
Read MoreDown Payment Assistance
Grant and bond programs that can cover part or all of your down payment and closing costs, often paired with FHA or conventional financing.
Read MoreDSCR Loans
Qualify investment property financing off the property's rental income, not your personal income — no tax returns or employment verification required.
Read MoreFHA Loans
Government-backed financing built for buyers with limited down payment savings or a credit history that doesn't fit a conventional box — including flexible credit-score guidelines and 100% financing programs.
Read MoreITIN Loans
Home financing for borrowers who file taxes with an ITIN rather than a Social Security number.
Read MoreAward-Recognized Loan Officers
NAHREP Top 250
Latino Mortgage Originators
TSAHC Top Performing
Loan Officer
Scotsman Guide
Top FHA Originator
NAHREP Loan Officer
of the Year
How It Works
What Working With Us Looks Like
01
Plan
See what your dream home could look like. Run the numbers yourself with our calculators — no commitment, no credit pull, just a starting point.
Try the Calculators →02
Contact
You've got a rough idea what you can afford — now it's time to connect with a loan officer who can guide you through the next steps.
Meet Our Team →03
Review
A loan officer reviews your file personally and tells you what you qualify for, and what to fix if you don't yet.
04
Process & Underwrite
We handle documentation, appraisal, and underwriting in-house and keep you updated at every step.
05
Close
Clear to close, sign, and get your keys — with milestone updates the whole way.
Our Office
Financing a Home in Katy?
Talk to a local loan officer who already knows the market.
